How To Invest In 2020 | My Concerns

These are my strategies of how to invest in 2020 and beyond, some concerns I have for newer investors, and which investments would be ideal to look into – enjoy! Add me on Instagram: GPStephan

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We are now in the longest running bull market in HISTORY, which started in March of 2009…and since then, we’ve seen almost 11 YEARS of consistent, year over year growth…with a total return of about 472%.

From what I’ve seen….a lot of investors – especially NEWER investors – FORGET that markets go down, and not everything just consistently goes up in value. They’re investing with the mentality that the stock market should progressively and automatically increase year after year, and they’ve never experienced a time where the markets drop. That, I believe…is a dangerous combination, where it’s easy for people to get ahead of themselves and potentially be caught in a situation where they over-invest – and then have NO IDEA what to do during a bear market when they lose money.

Who knows when that will happen, it could be tomorrow, or it could be in another 10 years…but, it’s important that you set yourself up in a good position NOW so that when it DOES happen, you will be ok.

FIRST, think to yourself…if your investments dropped 20-40% right now…WOULD YOU BE OK? If this is something that would DRAMATICALLY worry you, get you so fearful about losing money, and cause you to sell everything off as a way to preserve your capital…then, you really need to reconsider how much you’re investing, and try to spread out your risk as much as you can.

SECOND, have a LONG TERM outlook on your investments. To be honest, no one know what will happen over the next few years…but, HISTORICALLY, since the inception of the stock market, a 20-year holding period has never ONCE produced a negative result.

THIRD – it’s also important, no matter what – to keep an emergency fund worth 3-6 months of your expenses. This is your safety net in case the stock market crashes, you lose your job, and the entire economy sinks into an endless pit…at least you have 3-6 months worth of savings to hold you through until you find another job, or re-adjust your lifestyle to be able to save a little more money.

FOURTH – I also highly recommend you pay down any high interest rate or variable interest rate debt NOW, while the going is good. That means any credit card debt, any personal loans, or any short term mortgages should probably be paid off as much as you can. I’m just a firm believer that you should make hay while the sun is shining – and when the going is good, NOW is your time to put yourself in the best financial position possible.

And FIFTH – since this video is about How To Invest in 2020…here’s my overall advice, and exactly what to do, regardless of what happens in the market:

First, look into maxing out your retirement accounts:
I recommend most people begin by maxing out what’s called a Roth IRA an contributing to a 401k, as well.

Second, in terms of WHAT to invest in – the choice is really yours. But, typically…I like the Index Fund. This is just a broad investment that tracks the overall market – so, if the entire market does well – so do you.

If you want to invest in individual stocks…LIKE TESLA…be my guest. But understand that doing that is MUCH risker.

And, third…just do all of this consistently. Investing is NOT meant to be a one-and-done approach….you’re meant to invest a consistent amount, every month or every year, without skipping a beat…and doing that allows you to buy in to the lowest lows, and the highest highs, and average out your buy-in long term.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.


What do you think?


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  2. The wisest thing that should be on everyone mind currently should be to invest in different stream of income that doesn't depend on the govt especially with the current economic crisis around the world.

  3. The wisest thing that should be on everyone mind currently should be to invest in different stream of income that doesn't depend on the govt especially with the current economic crisis around the world.

  4. I make huge profits on my investment since I started trading with Mrs Renee Tarkowski, her trading strategies are top notch coupled with the little commission she charges on her trade.

  5. I lost my job and was staying at home. I didn't have enough money to sustain me and my family until I saw a post about Mr Carlos that he teaches forex trading for free and when I reached out he helped me turn my 600USD into 12,700USD in just six days using forex trade, Mr carlos @carlos_1uptrades on 1nstergram is indeed a God sent.

  6. Great stuff, I have seen so many videos and I am still confused about stock trade and investments, I tried to begin the stock trading myself but I was not successful. Now I wanna try again but this time, I need a good advice and directions to follow. I do not wanna waste my hard earned money. Thanks for understanding.

  7. Investing in 2020 have taken a new dimension. After the 2008 recession investing took a different dimension than it was before 2008, and in 2020 due to the coronavirus, investing has equally taken another new dimension.

    Before 2020, anyone can wake up, invest in anything of their choice and make profit, but 2020 changed that.

    Now if you don’t invest smartly, you are either going to end up with no profit or lose your investment totally to wrong investing.

    I’ve been an investor, and I am still investing in well proven and well to do asset.

    Some asset has shown that despite any meltdown that may occur, there won’t be any form of market negativity towards it, such investment are digital assets such as bitcoin.

    If you have not been considering digital asset investing or don’t know how to invest, I will urge you to take the time out now and consider it.

    I invested in Bitcoin by March 15, 2020, when all market asset was down, lucky for me I invested because a professional investor and trader named Nyberg Hansson told me to do so, and fast forward to June 2020, I have gotten over 200% increase in my asset, and not only that, he equally taught me how to trade cryptocurrency, he provides me with signals to trade with, now I earn profit from both ways.

    If you have not been considering digital assets investment, now is the time to do so, and do well by contacting Nyberg Hansson through (, Telegram @nyberghan, and WhatsApp +447427229815, so that he will guide you on how to get started.

  8. Yeah…buy and hold long term, but don't think that holding onto a stock or ETF for 10+ years is a good idea if you only cash out with a 50% gain from your original investment. KNOW WHEN TO SELL.

  9. This covid has caused a market slow down it's like a mini recession for the working class. So it's buyer's market because it's going to take at least year for the economy to get going again and maybe 2-3 years for people to have the cash flow and confidence to buy again.

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